Health Insurance 193 views December 14, 2020

We are living in a fast-paced world that is surrounded by various kinds of challenges such as Polluted Air, Mismanaged Food habits and Stress. While dealing with such challenges, your health may take a toll. Considering the rising medical bills, any medical emergency can convert into a financial emergency within a few hours. A Bharti AXA Health Insurance Policy can help you avoid it. Just pay an affordable premium, and you can protect both yourself and your family in case of any health emergency.

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You must be thinking about the reasons that should make you consider Bharti AXA Health Insurance. Here, we will discuss all of them, along with different health insurance plans provided by Bharti AXA and their features. So, keep reading!

Why Should you Choose the Bharti AXA Health Insurance Policy?

The first question that any individual could ask while choosing a Bharti AXA Health Insurance Policy is why Bharti AXA? Well, several reasons make it one of the most trusted among customers. One of the most crucial of all is the Claim Settlement Ratio of Bharti AXA, which is 98.27% for the FY 2019-20. This assures customers to not take any stress while filling a mediclaim. This is one of the important parameters that individuals check to ensure the claim settlement experience of any insurer.

With over 1.3 Million Health Insurance Policies issued, you can imagine the instant and simple policy issuance process of Bharti AXA. 24*7 Worldwide Assistance, with over 152 Branches across all Indian cities and availability of Cashless Facility in more than 4,300 Hospitals, Bharti AXA can be a perfect support system for you and your family. Just admit into any network hospital nearest to you and enjoy the treatment without paying any bills. The company will settle that directly with the hospital.

All-in-all, by choosing a Health Insurance Plan from Bharti AXA, you can get a 360 Degree Cover for hospital bills and other related expenses. You can also avail of tax benefits up to INR 1,00,000 under Section 80D of the Income Tax Act, 1961.

Types of Bharti AXA Health Insurance

Now that you have sufficient reasons to choose Bharti AXA Health Insurance, you must be thinking about its different types of insurance plans. Bharti AXA offers three types of health insurance plans — Smart Super Health Insurance Policy, Smart Health Assure Insurance Policy and Smart Super Top-up Insurance. Want to know its features and coverage benefits? Well, we are showing the same for each plan below. Do check!

Key Features of Bharti AXA Smart Health Insurance Plan

Here, we are showing some of the key features of Bharti AXA Smart Health Insurance Plan that you should know. Do check!

  1. Sum Insured Options of INR 3 lakh and INR 4 lakh
  2. In-patient treatment up to the Sum Insured chosen by you
  3. There is no limit on the Room Rent (per day) up to the Sum Insured
  4. Coverage of Pre-hospitalization expenses before 60 days, up to the Sum insured
  5. Post-hospitalization expenses coverage (90 Days from the Discharge)
  6. Domiciliary Hospitalization up to the Sum Insured
  7. AYUSH Treatment up to the Sum Insured
  8. Restoration of Sum Insured on making No Claim in a Policy Year (up to 100% of the Sum Insured)
  9. Free Annual Health Check-ups
  10. Expenses related to the Organ Donor up to the Sum Insured
  11. No Claim Bonus of 50% of the Expiring Policy Sum Insured per annum that should not exceed Cumulative Bonus of 100% of the Current Policy Sum Insured if the age at the inception of policy is 45 years or less. For individuals between 45 years and 65 years, this bonus will be 20%.
  12. Maturity Benefits of INR 35,000 on Maternity and INR 25,000 for NewBorn
  13. Emergency Ambulance charges up to INR 3,000 per event
  14. Lump-Sum benefit for Critical Illness which can be over and above your Sum Insured

Key Benefits of Bharti Smart Super Health Insurance Plan

You can look at some of the benefits of the Smart Super Health Insurance Plan that we have mentioned below!

  1. Option to choose from three plan options — Value, Classic, and Uber
  2. Sum Insured Option of INR 5, INR 7.5 lakh, INR 10 lakh, INR 15 lakh, INR 20 lakh, INR 30 lakh, INR 50 lakh, and above
  3. Option to choose between Critical Illness and Hospital Cash
  4. Annual Health Check-ups
  5. Maturity Benefit (9-month waiting period) on choosing the 3-year Policy Term. For newborn babies, the waiting period will be the first 90 days. For Maternity, the maturity benefits range from INR 35,000 to INR 1 lakh, while for NewBorn Babies, this will be INR 25,000 to INR 1 lakh.
  6. Lump-Sum Benefit for Critical Illnesses (over and above your Sum Insured)
  7. Hospital Cash Allowance up to INR 3,000 per day
  8. Restoration of Sum Insured up to 100% of the Sum Insured
  9. Pre-hospitalization expenses (Before 60 days) up to Sum insured
  10. Post-hospitalization expenses coverage (90 Days from the Discharge)
  11. No Claim Bonus up to 50% of the expiring Policy Sum Insured not exceeding 100%
  12. Domiciliary Hospitalization up to Sum Insured
  13. Animal Bite (Vaccination) up to INR 5,000 in a Policy Year
  14. Convalescence Benefit up to INR 20,000 if you need a continuous 10 days of Hospitalization or more.
  15. Out-patient Dental Emergency Treatment up to INR 7,500. However, this will be only in case of accidents
  16. Out-patient Emergency Treatment up to INR 10,000 in case of accidents only
  17. Domestic Air Ambulance coverage up to INR 2,00,000 (according to the Sum Insured)

Features of Bharti AXA Smart Super Top-up Insurance

Want to know the highlights of Bharti AXA Smart Super Top-up Insurance? Well, have a look below!

  1. Coverage up to INR 60 lakh
  2. Day Care Treatments up to the Sum Insured amount
  3. Domiciliary Treatment
  4. Expenses related to the Transportation of Organ

Exclusions of Bharti AXA Health Insurance

Some treatments are not covered under the Bharti AXA Health Insurance that you should know. We are mentioning the same below. Please check!

  1. Any illness or Injury (directly or indirectly) came out from or happening during the commission of any breach of any law by the insured person with criminal intent
  2. Illness or Disease or Injury while performing duties as a serving member of the Military or Police Force
  3. War or War like events, Acts of Foreign Enemies, Civil War, Seizure, Capture, Arrest, etc.

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